Drivers in Columbus Can Save Up to $610 Per Year!
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How RateWire Works
Step One
Share a few details about yourself and your car. Our short form takes just a minute or two and lets us prepare personalized auto insurance quote options for you in seconds.
Step Two
Review your insurance options side by side. Seeing auto insurance quotes from multiple providers in one place makes it simple to choose what fits you best.
Step Three
Lock in lower rates for the coverage you actually need. Reduce your monthly auto insurance costs and put the extra savings toward your next vacation or home project.
Meet Your State's Requirement at the Lowest Possible Cost
Every state has a minimum coverage requirement for drivers — and meeting that requirement doesn't need to cost a fortune. State minimum policies are designed for drivers who want to stay legal on the road at the lowest possible monthly cost.
Whether you drive an older vehicle, are in between jobs, or simply want the most affordable option available, comparing state minimum quotes from multiple carriers is the fastest way to find your lowest legal rate.
State Minimum Liability Requirements — Sample States
| State | Min. Bodily Injury | Min. Property Damage | Avg. Monthly Premium |
|---|---|---|---|
| California | 15/30k | $5,000 | $42 – $78 |
| Texas | 30/60k | $25,000 | $38 – $72 |
| Florida | N/A (PIP state) | $10,000 | $55 – $95 |
| New York | 25/50k | $10,000 | $65 – $115 |
| Georgia | 25/50k | $25,000 | $40 – $80 |
ⓘ Minimums and premiums vary by state. Check your state's DMV for exact requirements.
Pros and cons
Advantages
- ✓Lowest possible legal monthly premium available
- ✓Keeps your license and registration in good standing
- ✓Suitable for low-value vehicles not worth insuring for full coverage
- ✓Easy to upgrade later when your budget allows
Drawbacks
- ✗Does not cover your own vehicle in an accident
- ✗Low liability limits may not fully cover a serious accident
- ✗Significant out-of-pocket exposure if you're found at fault for a major claim
- ✗Not appropriate for financed or leased vehicles — lenders require more
Frequently asked questions
Disclaimer: RateWire is an independent lead generation and comparison service. All rate figures are market estimates from publicly available data sources. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.